Insurance for Your Jewelry Store Built for What's Actually on the Line

Jewelry retail is a business built on display — and everything you put in front of a customer is also visible to everyone else who walks through the door. Jewelers Block insurance from MJM Global covers your showroom inventory, display cases, and safes as part of a program designed specifically for the jewelry industry, not adapted from a general commercial policy.

Your Showroom Carries Real Exposure — Your Coverage Should Match It

Retail jewelry stores face a concentration of risk that most commercial policies aren't built to address. A single display case can hold more value than an entire row of merchandise in another type of store. Jewelers Block insurance is the industry-standard coverage form because it was written for exactly this kind of exposure.

 

Our retail program addresses:

 

  • On-premises inventory, including stock in display cases, showcases, and vaults
  • Safe and vault contents, including coverage for items stored overnight
  • Robbery, burglary, and theft — whether by outside parties or, where applicable, employees
  • Goods taken in on memo or for repair, which standard commercial policies typically exclude
  • Goods given out on memo or consignment that haven't yet returned to your store

When Your Inventory Leaves the Showroom, Coverage Travels With It

Hosting a trunk show or sending pieces to a client event is a normal part of jewelry retail — and it's also the moment when many retailers discover their standard policy stops at the door. Jewelers Block coverage through our program extends to off-site events, so the same inventory that's covered in your showroom doesn't become an uninsured exposure the moment it leaves.

 

Our trunk show coverage is structured to follow your inventory to the venue, not just the address on your policy. If you regularly host or participate in trunk shows, that risk is already accounted for in the program — not treated as an endorsement you have to remember to add.

A Dedicated Claims Manager in Your Corner When It Matters Most

A loss at a jewelry retail store is not a routine claim. The values involved are significant, the documentation requirements are specific to the jewelry trade, and the negotiation process with carriers can be time-consuming and technical. Most retailers don't have the bandwidth to manage a contested claim while keeping their store running.

 

Our dedicated claims manager handles that process on your behalf — from the initial submission through carrier negotiation and resolution. You're not passed to a general call center or left to interpret policy language on your own. The same team that placed your coverage knows your account and advocates for you through every stage of the claim.

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Coverage Designed for Jewelry Retailers — Not Adapted From Something Else

Jewelers Block is a specialty inland marine coverage form with more than 70 years of experience behind it. MJM Global has spent those decades building carrier relationships — including access to the London markets — that give our retail clients broader options than most brokers can offer. We work with one of the largest and most experienced teams specializing in jewelry industry insurance, and we're active participants in the same trade shows and conventions our retail clients attend. When you call us, you're talking to people who know this industry from the inside.

Frequently Asked Questions About Jewelry Store Insurance

  • Do jewelry stores need Jewelers Block insurance, or is a standard BOP sufficient?

    A standard business owner's policy is not designed to cover the specific exposures jewelry retailers face. Jewelers Block is a specialty inland marine form that addresses high-value inventory, display case theft, goods on memo, and off-premises coverage — all of which a BOP typically excludes or severely sublimits. Most jewelry retailers find that a BOP alone leaves significant gaps.

  • Does jewelry retailer insurance cover items taken in for repair?

    Yes. Our Jewelers Block program covers goods taken in on memo or for repair while they are in your possession. This is a critical coverage point for retailers who accept customer pieces for service or resale, since those items carry liability that your standard commercial policy is unlikely to address.

  • What does jewelry showroom coverage include for display cases and safes?

    Jewelers Block coverage for retail storefronts addresses inventory in display cases, showcases, and vaults, as well as contents stored in your safe overnight. The program is built around the reality that your most valuable stock is also your most visible — and most targeted — stock.

  • Can trunk show or off-site event coverage be added to a jewelry retail policy?

    Yes — coverage for trunk shows and off-site events is typically added by endorsement to a Jewelers Block policy. We can structure your program to include that exposure so your inventory doesn't go unprotected the moment it leaves the showroom.

  • How does the claims process work if my store experiences a theft or burglary?

    When you file a claim, our dedicated claims manager takes over the process on your behalf — coordinating documentation, communicating with the carrier, and negotiating toward resolution. You're not navigating the claim alone while trying to keep your store running. Our team advocates for your interests from the first notice of loss through final settlement.